Getting injured at work can be a devastating and life-altering experience. Workplace injuries can lead to medical complications that last for decades, and some injuries can even prevent workers from ever going back into their previous careers. If you have been injured at work, your employer's workers' compensation insurance plan should cover the costs associated with your injury. Sometimes, though, getting the financial support you need isn't simple. You may need to hire a workers' compensation lawyer to help you navigate the legal system and deal with the insurance company. Here are three common circumstances that require the support of a lawyer.
Your Employer Doesn't Have Workers' Compensation Insurance
Every state has its own laws about workers' compensation insurance. In most states, most employers are required to carry this kind of insurance to ensure their employees get the financial help they need after an accident. If your employer isn't required to have workers' compensation insurance due to the laws in your state, you still have a legal option to get what you need: you can sue your employer. If your employer was legally required to carry workers' compensation insurance but failed to do so, you can also sue them. A local workers' compensation lawyer can help you get the justice you deserve from an employer who failed to protect you at the workplace with either insurance or good safety practices.
Your Employer's Insurance Plan Denied Your Claim
Not every injury that occurs in the workplace is eligible for a workers' compensation insurance claim. If your injury was definitely caused by your own misconduct, you may not be able to receive financial help. However, insurance companies sometimes deny valid claims. If you feel your previously denied claim is completely valid, you need to fight for your rights in court. The insurance company will have skilled lawyers on their side, and you need to have an equally skilled lawyer fight for you.
Your Worker's Compensation Claim Is Complicated
Not every person who is injured at work is completely healthy before their injury. Sometimes, people with pre-existing conditions are injured due to workplace negligence. Some insurance companies may try to use those pre-existing conditions to justify a claim denial. If your case is complicated due to a pre-existing condition, you need to work with a lawyer. Your lawyer will gather evidence to show that your condition is completely unrelated to the accident and defend your right to compensation in court.
To learn more, contact a workers' compensation attorney in your area.